ANZ says that despite the “constrained environment” it operates in, it managed to achieve a $7.2 billion profit.

The big bank put up figures this week that showed little growth with after tax profit for the 2015 financial year.

After tax profits are up 3 per cent to $7.5 billion, higher than most analysts expected.

Cash profit increased by 1 per cent to end at $7.2 billion - less than many predicted.

Earnings per share stayed flat at 260.3 cents due ot large scale capital raising in the second half of the year.

Customer deposits were up 10 per cent over, while loans and advances increased by 9 per cent.

There was a 22 per cent increase in charges for loans that were written off, ending at $1.2 billion.

It means the final dividend payout for shareholders will be 95 cents a share, fully franked.

Total dividend is at 181 cents per share, fully franked, an increase of 2 per cent.

ANZ chief executive Mike Smith praised the result.

“We have produced another record result in FY15,” he said.

“In a constrained environment, we have continued to see growth in our core customer franchise in Australia, in New Zealand and in key Asian markets, partly offset by the effect of macro-economic headwinds on the International and Institutional Banking Division.”